Transaction card having structural reinforcement

ABSTRACT

A transaction card may include a first card component having a first interior surface, a first exterior surface, and a first structural feature. The transaction card may also include a second card component separate from the first card component, and including a second interior surface, a second exterior surface, and a second structural feature. The first and second structural features may be configured to interconnect. One of the first and second card components may include a locating feature configured to accommodate the transaction component, and the other of the first and second card components may be configured to provide access to a transaction component. The first structural feature may include a plurality of ribs separated by gaps, and the second structural feature may include a plurality of recesses separated by gaps. The first and second structural features may form a snap fit, an interference fit, or a sliding fit connection.

RELATED APPLICATIONS

This application is a continuation of application Ser. No. 15/698,109,filed Sep. 7, 2017, which claims priority to U.S. Provisional PatentApplication No. 62/432,117, filed Dec. 9, 2016. The contents of bothapplications are hereby incorporated by reference in their entireties.

DESCRIPTION Technical Field

The disclosed embodiments generally relate to a transaction card, andparticularly, to a transaction card having structural improvements.

Background

Transaction cards, such as credit and debit cards, have increasinglybecome a primary means for customers to complete financial transactions.Typically, transaction cards are formed out of a plastic material as asingle piece. For example, a typical credit card may be manufactured outof plastic such as polycarbonate (PC) or polyvinyl chloride (PVC) usingan injection molding process. The plastic card may then be modified toadd functional and/or visual features. For example, a magnetic strip orelectronic device (e.g., a microchip) may be affixed to one side, thecard may be stamped with the card number and customer name, and color ora design may be added for appearance.

Transaction cards having a one-piece construction may have severaldrawbacks that can lead to reduced performance and/or require thetransaction card to be periodically replaced. For example, tensile andcompressive forces generated when a conventional one-piece card isflexed can cause the magnetic strip (typically affixed to a rear surfaceby a laminate cover) and/or the microchip (typically affixed to a frontsurface by an adhesive) to separate from the card or become damaged.That is, when a conventional one-piece transaction card is flexed, theadhesive securing the microchip to the front surface of the card canfail, resulting in the ejection of the microchip from the card surface.Flexure of the card can also cause the laminate securing the magneticstrip to “bubble” or detach from the rear surface of the card. Minorflexures may in fact occur each time the card is placed into a wallet orpayment card slot of a transaction machine (e.g., an ATM), all butensuring that the card will eventually become unusable.

Conventional transaction cards may also suffer from additionaldrawbacks. For example, typical materials used to manufacture the cards(e.g., PC and PVC plastic) result in transaction cards that are not verynot very strong and are prone to breaking or cracking. Limitations oncard thickness, as well as cost considerations, prohibit the use ofthicker transaction cards, thereby requiring manufacturers to pursueother ways of improving the structural integrity of transaction cards.

The present disclosure is directed to overcoming one or more of theproblems set forth above and/or other problems associated withconventional transaction card constructions.

SUMMARY

The disclosed embodiments relate to a credit card having a two-piececonstruction providing improved structural properties.

In one aspect, the present disclosure is directed to a transaction card.The transaction card may include a first card component having a firstsurface and a first structural feature associated with the firstsurface. The transaction card may also include a second card componentseparate from the first card component and attachable thereto. Thesecond card component may include a second surface and a secondstructural feature associated with the second surface. The first andsecond structural features may be configured to interconnect tointerconnect.

In another aspect, the present disclosure is directed to a method ofmanufacturing a transaction card. The method may include forming a firstcard component having a first surface and forming a first structuralfeature associated with the first surface. The method may furtherinclude forming a second card component separate from the first cardcomponent and attachable thereto and having a second surface. The methodmay further include forming a second structural feature associated withthe second surface, wherein the first and second structural features areconfigured to interconnect.

In another aspect, the present disclosure is directed to a transactioncard, comprising a first card component, including a first interiorsurface, a first exterior surface opposite the first interior surface,and a first structural feature associated with the first interiorsurface. The card may include a second card component separate from thefirst card component and attachable thereto, wherein the second cardcomponent includes a second interior surface, a second exterior surfaceopposite the second interior surface, and a second structural featureassociated with the second interior surface. The card may furtherinclude a transaction component. One of the first and second cardcomponents may include a locating feature configured to accommodate thetransaction component, and the other of the first and second cardcomponents may be configured to provide access to the transactioncomponent. The first and second structural features may be configured tointerconnect.

In another aspect, the first structural feature may comprise a pluralityof ribs separated by gaps.

In another aspect, the ribs may be integral with the first cardcomponent.

In another aspect, the ribs may be attached to the first card componentby adhesion, material deposition, or fasteners.

In another aspect, the ribs may have a draft angle greater than zerodegrees.

In another aspect, the draft angle may be between 0.5 degrees and 3.5degrees.

In another aspect, a width of the gaps may be 1-5 times a width of theribs.

In another aspect, the second structural feature may comprise aplurality of recesses separated by gaps.

In another aspect, the recesses may have a draft angle greater thanzero.

In another aspect, the draft angle may be between 0.5 degrees and 3.5degrees.

In another aspect, the first and second structural features may beconfigured to form a snap fit, an interference fit, or a sliding fitconnection.

In another aspect, the first and second structural features may beconfigured to interconnect via a tongue and groove connection.

In another aspect, the first and second structural features may beconfigured to interconnect via a lattice pattern.

In another aspect, the card may further comprise a first bracing layerbetween the first and second card components, wherein the first bracinglayer is affixed to one of the first and second interior surfaces, oneof the first and second structural features is disposed on the firstbracing layer, and the first bracing layer includes a locating featureconfigured to further accommodate the transaction component.

In another aspect, the card may further comprise a second bracing layerbetween the first and second card components, wherein the second bracinglayer is affixed to other of the first and second interior surfaces thatis not affixed to the first bracing layer, the other of the first andsecond structural features not disposed on the first bracing layer isdisposed on the second bracing layer, the second bracing layer includesa locating feature configured to further accommodate the transactioncomponent.

In another aspect, the card may further comprise a single bracing layerhaving a first side opposite a second side, wherein each of the firstand second sides of the bracing layer comprises one of the first andsecond structural features, and wherein each of the first and secondinterior surfaces are configured to interconnect with the bracing layer.

In another aspect, the first and second sides of the bracing layer mayinclude the same type of structural feature.

In another aspect, the first and second interior surfaces may include astructural feature configured to interconnect with the first and secondstructural features of the bracing layer.

In another aspect, the first and second sides of the bracing layer mayinclude different types of structural features.

In another aspect, the first interior surface may include a structuralfeature configured to interconnect with one of the first and secondstructural features of the bracing layer, and the second interiorsurface may include a structural feature configured to interconnect withthe other of the first and second structural features of the bracinglayer.

It is to be understood that both the foregoing general description andthe following detailed description are exemplary and explanatory onlyand are not restrictive of the disclosed embodiments, as claimed.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated in and constitute apart of this specification, illustrate disclosed embodiments and,together with the description, serve to explain the disclosedembodiments. In the drawings:

FIG. 1 is a block diagram of an example of a transaction system,consistent with disclosed embodiments;

FIG. 2A is a top-view illustration of an embodiment of a transactioncard, consistent with disclosed embodiments;

FIG. 2B is a bottom-view illustration of the transaction card of FIG.3A;

FIG. 3A is a top-view illustration of an embodiment of a card inlay,consistent with disclosed embodiments;

FIG. 3B is a cross-sectional illustration taken along line 3B-3B of FIG.4A;

FIG. 4A is a top-view illustration of an embodiment of a card frame,consistent with disclosed embodiments;

FIG. 4B is a cross-sectional illustration taken along line 4B-4B of FIG.5A;

FIG. 5A is a cross-sectional illustration taken along line 5-5 of FIG.3A, consistent with disclosed embodiments;

FIG. 5B is a zoomed-in view of FIG. 5A;

FIG. 5C is a zoomed-in view of an exemplary tongue and groove section,consistent with disclosed embodiments;

FIG. 6A is another cross-sectional illustration taken along line 5-5 ofFIG. 2A, consistent with disclosed embodiments;

FIG. 6B is another cross-sectional illustration taken along line 5-5 ofFIG. 2A, consistent with disclosed embodiments;

FIG. 7A is a zoomed-in cross-sectional view of an exemplary transactioncard having a bracing layer;

FIG. 7B is another zoomed-in cross-sectional view of an exemplarytransaction card having a bracing layer;

FIG. 7C is another zoomed-in cross-sectional view of an exemplarytransaction card having a bracing layer;

FIG. 7D is a zoomed-in cross-sectional view of an exemplary transactioncard having a bracing layer;

FIG. 8 is an exploded isometric view of an exemplary disclosedtransaction card;

FIG. 9 is an exploded isometric view of an exemplary disclosedtransaction card having a bracing layer; and

FIG. 10 is a flowchart showing an exemplary method for forming atransaction card, consistent with the disclosed embodiments.

DETAILED DESCRIPTION

Reference will now be made in detail to the disclosed embodiments,examples of which are illustrated in the accompanying drawings. Whereverconvenient, the same reference numbers will be used throughout thedrawings to refer to the same or like parts.

Disclosed embodiments include a two-piece transaction card havingstructural improvements. For example, disclosed embodiments include atwo-piece transaction card having a first card component, a second cardcomponent, and structural features disposed between the first and secondcard components. In some embodiments, the structural features may bebuilt into the first and second card components. In other embodiments,structural features may also or alternatively be disposed on one or morebracing layers between the first and second card components. Variousmethods may be used to manufacture the separate card components, thestructural features, and/or the bracing layers out of different types ofmaterials that are suitable for satisfying certain criteria orpreferences. In addition, the construction of the separate componentsmay allow for ease of assembly, as well as customization andinterchangeability.

The term “transaction card,” as used herein, may refer to any physicalcard product that is configured to provide information, such asfinancial information (e.g., card numbers, account numbers, etc.),quasi-financial information (e.g., rewards balance, discountinformation, etc.) and/or individual-identifying information (e.g.,name, address, etc.), to another device. Examples of transaction cardsinclude credit cards, debit cards, gift cards, rewards cards, frequentflyer cards, merchant-specific cards, discount cards, identificationcards, and driver's licenses, but are not limited thereto.

FIG. 1 illustrates an exemplary transaction system 100. Transactionsystem 100 may be a computing system configured to receive and sendinformation between the components of transaction system 100 and withcomponents outside of system 100. In some embodiments, transactionsystem 100 may include a financial service provider system 110 and amerchant system 120 connected by a network 130. It should be understood,however, that transaction system 100 may include additional and/oralternative components.

Financial service provider system 110 may be one or more computersystems associated with an entity that provides financial services. Forexample, the entity may be a bank, credit union, credit card issuer, orother type of financial service entity that generates, provides,manages, and/or maintains financial service accounts for one or morecustomers. Financial service accounts may include, for example, creditcard accounts, checking accounts, savings accounts, loan accounts,reward accounts, and any other types of financial service account knownto those skilled in the art. Financial service accounts may beassociated with physical financial service transaction cards, such as acredit or debit cards that a user may carry on their person and use toperform financial service transactions, such as purchasing goods and/orservices at a point of sale (POS) terminal. Financial service accountsmay also be associated with electronic financial products and services,such as a digital wallet or similar account that may be used to performelectronic transactions, such as purchasing goods and/or servicesonline. In some embodiments, financial service provider system 110 maybe associated with an organization other than a financial institution,including a gift or reward card administrator, an airline or frequentflyer administrator, a merchant (which may in some embodiments beassociated with merchant system 120), a government institution (e.g., anagency), or the like.

Merchant system 120 may be one or more computer systems associated witha merchant. For example, merchant system 120 may be associated with anentity that provides goods and/or services (e.g., a retail store). Themerchant may include brick-and-mortar location(s) that a customer mayphysically visit and purchase goods and services. Such physicallocations may include computing devices (e.g., merchant system 120) thatperform financial service transactions with customers (e.g., POSterminal(s), kiosks, etc.). Additionally or alternatively, merchantsystem 120 may be associated with a merchant who provides electronicshopping mechanisms, such as a website or a similar online location thatconsumers may access using a computer through browser software, a mobileapplication, or similar software. Merchant system 120 may include aclient device, such as a laptop computer, desktop computer, smart phone,or tablet, that a customer may operate to accesses the electronicshopping mechanism.

Network 130 may be any type of network that facilitates communicationsand data transfer between components of transaction system 100, such as,for example, financial service provider system 110 and merchant system120. Network 130 may be a Local Area Network (LAN), a Wide Area Network(WAN), such as the Internet, and may be a single network or acombination of networks. Network 130 is not limited to the aboveexamples and transaction system 100 may implement any type of networkthat allows the entities (shown and not shown) of transaction system 100to exchange data and information.

Transaction system 100 may be configured to conduct a transactionassociated with the use of a transaction card 140. In one example,financial service provider system 110 may provide transaction card 140to a customer for use in conducting transactions associated with afinancial service account held by the customer. In an example of onesuch transaction, the customer may use transaction card 140 at amerchant location to make a purchase. During the course of the purchase,information may be transferred from transaction card 140 to merchantsystem 120 (e.g., a point of sale device). Merchant system 120 maycommunicate with financial service provider system 110 via network 130to complete the transaction. For example, merchant system 120 mayreceive account information from transaction card 140 by scanning amagnetic stripe on transaction card 140, receiving wireless data emittedby transaction card 140, or receiving data transmitted by a chipembedded in transaction card 140. Merchant system 120 may transmit theaccount information and a purchase amount, among other transactioninformation, to financial service provider system 110. Financial serviceprovider system 110 may settle the transaction by transferring fundsfrom the customer's financial service account to a financial serviceaccount associated with the merchant.

While transaction system 100 and transaction card 140 are depicted anddescribed in relation to transactions that involve customers, merchants,and financial service providers, it should be understood that theseentities are used only as an example to illustrate one environment inwhich transaction card 140 may be used. Moreover, it should beunderstood that transaction card 140 is not limited to financialproducts and may be any physical card product that is configured toprovide information to another device. For example, transaction card 140may be an identification card configured to provide information to adevice in order to identify the holder of the card (e.g., driver'slicense) or provide information about the holder of the card (e.g.,insurance card).

In an embodiment, transaction card 140 may include a card frame 142. Insome embodiments, card frame 142 may include at least two separatecomponents that, when secured to each other, form transaction card 140.For example, transaction card 140 may include two-piece constructionthat includes a first card component that forms a first surface oftransaction card 140 and a second card component that forms a secondsurface of transaction card 140. Additional components may also beincluded.

In some embodiments, transaction card 140 may further include atransaction component 144. Transaction component 144 may include one ormore transaction components, such as electronic devices, magneticdevices, electromagnetic devices, and/or other elements configured toreceive, store, process, provide, transfer, transmit, conduct, send,delete, and/or generate information. For example, transaction component144 may be a microchip (e.g., EMV chip), a communication device (e.g.,NFC antenna, Bluetooth® device, WiFi device), a magnetic strip, abarcode, QR code, etc. Transaction component 144 may be secured to cardframe 142 in such a way that allows card frame 142 to carry transactioncomponent 144 while maintaining a utility of transaction component 144(i.e., allowing transaction component 144 to interact with merchantsystem 120).

FIGS. 2A and 2B illustrate an embodiment of transaction card 140. In theembodiment of FIGS. 2A-2B, transaction card 140 includes a two-piececonstruction. For example, transaction card 140 may include twoseparate, independently movable card components: a generally planarupper card component 204 (as shown in FIG. 2A) and a generally planarlower card component 202 (as shown in FIG. 2B). Upper and lower cardcomponents 204, 202 may be first and second card components, or viceversa.

In some embodiments, transaction card 140 may include a cavity/inlayconstruction in which lower card component 202 forms a cavity and uppercard component 204 forms an inlay component configured to be seatedwithin the cavity. It should be understood, however, that otherconfigurations are possible. For example, transaction card 140 mayinclude a “bucket-and-lid” construction in which lower card component202 forms a container and upper card component 204 forms a lid that isconfigured to close the container and that rests on a rim of lower cardcomponent 202. Lower card component 202 and upper card component 204 maybe securable to each other to at least partially enclose a space to holdtransaction component 144.

Lower card component 202 and upper card component 204 may be permanentlyor temporarily secured to each other to form a complete card frame 142.For example, lower card component 202 may be secured to upper cardcomponent 204 using an adhesive, or by overmolding, pressure fit,interference fit, clasp, tongue-in-groove, post-and-hole, etc. If lowercard component 202 and upper card component 204 are temporarily securedto each other, an attachment feature (e.g., for hinged attachment,sliding attachment, etc.) may be included to allow card frame 142 to bedisassembled. Other techniques for securing lower card component 202 toupper card component 204 may be apparent to those of skill in the art.

FIG. 2A illustrates a top-view of transaction card 140 and FIG. 2Billustrates a bottom-view of transaction card 140. As shown in FIGS.2A-2B, transaction card 140 may include generally planar first exteriorsurface 212 and generally planar second exterior surface 222. Exteriorsurfaces 212, 222 may be similar in size to that of conventionaltransaction cards. Lower card component 202 and upper card component 204may be configured such that exterior surfaces 212, 222 have any desiredshape, such as a shape selected for an ornamental or aesthetic design.It should be understood, however, that other shapes may be used.

Exterior surfaces 212, 222 may form a majority of the exposed surfacearea of transaction card 140. One or more of exterior surfaces 212, 222may include additional features, such as identifying information (e.g.,card number, customer name, customer signature, expiration date,security code, etc.), additional transaction components 144 (e.g.,magnetic strips, bar codes, QR codes, etc.), visual features (e.g.,colors, designs, pictures, logos, etc.), and the like.

FIG. 3A shows a top view illustration of upper card component 204. Uppercard component may include exterior surface 222 and have a window 210 toprovide access to transaction component 144. Upper card component 204may be formed by any suitable process, such as injection molding,compression molding, or another molding process. Alternatively, uppercard component 204 may be cut from a sheet of card stock using anysuitable cutting process (e.g., stamping, laser cutting, milling, etc.).Upper card component may be constructed out of various materials thatprovide additional advantages and customizability to transaction card140. For example, upper card component 204 may be constructed of softtouch plastics, hammered-texture materials, bead-blasted metals (e.g.,aluminum), wooden materials (e.g., cherry, pine, ebony, oak, bamboo,etc.), sapphire crystal materials (both pure and doped with titanium),natural fiber composite materials, leather, ceramic materials, slate,etc. In some embodiments, upper card component 204 may includeadditional material features, such as coverings (e.g., a siliconeovermold), veneers (e.g., a wooden veneer), finishes (e.g. an oil-slickaluminum finish), or the like.

FIG. 3B illustrates a cross-sectional view of upper card component 204taken along line 3B-3B of FIG. 3A. As shown, a first side of upper cardcomponent 204 may be defined by exterior surface 222. A second side ofupper card component 204 may be defined by an interior surface 224opposite exterior surface 222. To help enhance the structural integrityof upper card component 204 (and hence transaction card 140), upper cardcomponent may include a first structural feature 226 associated withinterior surface 224. First structural feature 226 may be or include oneor more structural elements that extend from, are connected to, or areotherwise associated with interior surface 224.

For example, first structural feature 226 may include a plurality ofribs 228 separated by gaps 230. Ribs 228 may be integral with upper cardelement 204 or may be added thereto as a separate component (e.g., byadhesion, material deposition, fastening, etc.). Ribs 228 may have anydesired shape and may be dimensioned according to standard designguidelines or have customized dimensions. For example, in someembodiments, ribs 228 may have a desired length L_(RIB) based ondimensional constrains of upper card component 204 and/or transactioncard 140 (e.g., overall thickness of transaction card 140). Ribs 228 mayalso have a desired width W_(RIB) that may be selected based on desiredperformance factors (e.g., rigidity, weight, etc.) and costconsideration. Ribs 228 may also have a draft angle θ₁ greater than 0°to improve rigidity and reduce stress concentrations. For example, insome embodiments, the draft angle θ₁ may be 0.5-3.5°. For example, thedraft angle θ₁ may be 1.5-3.0° or 2.0-2.5°. It should be understood thatthe draft angle θ₁ may be greater than or less than 0.5-3.5°. In someembodiments, the draft angle θ₁ may vary from rib to rib, for example,in order to provide a pattern for alignment during card assembly.

Gaps 230 may also be dimensioned according to standard design guidelinesor have customized dimensions. For example, the width W_(G) of each gap230 may be set to a desired length based on desired performance factors(e.g., rigidity, weight, etc.) and cost considerations. Alternatively,the width W_(G) of each gap 230 may be related to a dimension of ribs228. For example, the width W_(G) of each gap 230 may be a multiple ofthe width W_(RIB) of each rib 228. In some embodiments, for example, thewidth W_(G) of each gap 230 may be 1-5 times the width W_(RIB) of eachrib 228. In other embodiments, the width W_(G) of each gap 230 may be1.5-4.5 times, 2.0-4.0 times, 2.5-3.5 times, or 3 times the widthW_(RIB) of each rib 228. It should be understood that other multiples,ratios, or relationships between the width W_(G) of gaps 230 and thewidth W_(RIB) of ribs 228 may be used. In some embodiment, the widthW_(G) of gaps 230 can vary (e.g., in connection with any variance inribs 228), for example, to provide a pattern for alignment during cardassembly.

FIG. 4A shows a top view illustration of lower card component 202. Lowercard component may include exterior surface 212. Exterior surface 212may be optionally configured to house transaction component 144 (e.g., amagnetic strip—shown in phantom lines). Lower card component 202 may beformed by any suitable process, such as injection molding, compressionmolding, or another molding process. Alternatively, lower card component202 may be cut from a sheet of card stock using any suitable cuttingprocess (e.g., stamping, laser cutting, milling, etc.). Lower cardcomponent 202 may be constructed out of various materials that provideadditional advantages and customizability to transaction card 140. Forexample, lower card component 202 may be constructed of soft touchplastics, hammered-texture materials, bead-blasted metals (e.g.,aluminum), wooden materials (e.g., cherry, pine, ebony, oak, bamboo,etc.), sapphire crystal materials (both pure and doped with titanium),natural fiber composite materials, leather, ceramic materials, slate,etc. In some embodiments, lower card component 202 may includeadditional material features, such as coverings (e.g., a siliconeovermold), veneers (e.g., a wooden veneer), finishes (e.g. an oil-slickaluminum finish), or the like. In some embodiments, lower card component202 may be made of the same material as upper card component 204. Inother embodiments, upper and low card components 204, 202 may be made ofdifferent materials.

In some embodiments, upper and lower card components 204, 202 may bemade of different materials to achieve desired mechanical performancecharacteristics. For example, in some embodiments, lower card component202 may be formed of a resin composite while upper card 204 may beformed of a different material, such as a different resin composite, ametal, wood (e.g., one or more wood layers), woven fiber, or anothertype of material, which may have different mechanical properties thanlower card component. That is, when upper card component is made of adifferent material than lower card component, the different material mayhave a different flexural modulus, Young's modulus, flexural strength,etc. In this way, transaction card 140 may achieve improved mechanicalperformance (e.g., may be stiffer, stronger, more durable, etc.) incomparison to the material of lower card component 202. The differentmaterial may also have a different density, which can influence theoverall weight of transaction card 140.

FIG. 4B illustrates a cross-sectional view of lower card component 202taken along line 4B-4B of FIG. 4A. As shown, a first side of lower cardcomponent 202 may be defined by exterior surface 212. A second side oflower card component 202 may be defined by an interior surface 232opposite exterior surface 212. To help enhance the structural integrityof lower card component 202 (and hence transaction card 140), lower cardcomponent 202 may include a second structural feature 234 associatedwith interior surface 232. Second structural feature 234 may be orinclude one or more structural elements that extend from, are connectedto, or are otherwise associated with interior surface 232.

For example, second structural feature 234 may include a plurality ofrecesses 236 separated by gaps 230. Recesses 236 may be integral withlower card element 202 or may be added thereto as a separate component(e.g., by adhesion, material deposition, fastening, etc.). Recesses 236may have any desired shape and may be dimensioned according to standarddesign guidelines or have customized dimensions. In some embodiments,recesses 236 may be dimensioned to match the dimensions of ribs 228,depicted in FIG. 3B. For example, recesses 236 may have a width W_(REC)that that is equal to the width W_(RIB) of ribs 228. In otherembodiments, the width W_(REC) of recesses 236 may be less than thewidth W_(RIB) of ribs 228 (e.g., to provide an interference fit or “snapfit” for connecting upper and lower card components 204, 202) or greaterthan the width W_(RIB) of ribs 228 (e.g., to provide a looser fittingconnection). In some embodiments, W_(REC) and W_(RIB) may vary (i.e., incoordination with each other), for example, to provide a pattern foralignment during card assembly.

Recesses 236 may also have a draft angle θ₂ greater than 0° to improverigidity and reduce stress concentrations. For example, in someembodiments, the draft angle θ₂ may be 0.5-3.5°. For example, the draftangle θ₂ may be 1.5-3.0° or 2.0-2.5°. It should be understood that thedraft angle θ₂ may be greater than or less than 0.5-3.5°. In someembodiments, the draft angle θ₂ of recesses 236 may be equal to thedraft angle θ₁ of ribs 228. In other embodiments, the draft angle θ₂ ofrecesses 236 may be less than the draft angle θ₁ of ribs 228 (e.g., toprovide an interference fit or “snap fit” for connecting upper and lowercard components 204, 202) or greater than the draft angle θ₁ of ribs 228(e.g., to provide a looser fitting connection). In some embodiments, thedraft angle θ₂may vary from recess to recess (e.g., in coordination withdraft angle θ₁), for example, in order to provide a pattern foralignment during card assembly.

FIG. 5A illustrates a cross-sectional view of assembled transaction card140, taken along line 5-5 of FIG. 2A. As shown, upper card component 204may be positioned in a space 206 defined within lower card component202. An adhesive layer 502 may be placed between interior surfaces 224and 232 (i.e., first and second interior surfaces or vice versa) toadhere upper card component 204 to lower card component 202. In thisway, upper card component 204 may be secured to lower card component202. Adhesive layer 502 may include any suitable adhesive material, suchas a hot melt adhesive, pressure-sensitive adhesive, etc. It should beunderstood, however, that other means of attaching upper card component204 to lower card component 202 may be used. For example, in someembodiments, upper card component 204 may be insert molded into lowercard component 202. Specifically, upper card component may be placedinto an injection mold and lower card component 202 may be injectionmolded around upper card component 204.

FIG. 5B is a zoomed-in view of the cross-sectional view of FIG. 5A. Asshown, first structural feature 226 and second structural feature 234may be configured to interconnect. As used herein with regard tostructural features 226 and 234, being configured to “interconnect” mayrefer to being configured to connect with one another, to be mutuallyconnected (or mutually connectable), or to have (or be configured tohave) internal connections between parts. For example, first structuralfeature 226 and second structural feature 234 may be configured tointerconnect in that they may be configured to engage with each other byoverlapping or by fitting together as projections (e.g., ribs 228) andrecesses (e.g., recesses 236). First structural feature 226 and secondstructural feature 234 may also or alternatively be configured tointerconnect by fastening together when engaged. For example, firststructural feature 226 and second structural feature 234 may beconfigured to interconnect by a snap fit mechanism (e.g., a button-typemechanism), an interference fit (i.e., frictional fit), a sliding fit(e.g. dovetails), etc.

In some embodiments, first structural feature 226 and second structuralfeature 234 may be configured to interconnect by a tongue and grooveconnection. For example, as shown in FIG. 5B, ribs 228 may be tonguesand recesses 236 may be grooves. In some embodiments, tongues andgrooves (e.g., ribs 228 and recesses 236) may include additionalinterconnecting or mating features, such as guide rails and slots,shaped edges or corners, complimentary shapes, etc. In some embodiments,first structural feature 226 and second structural feature 234 may forman interconnecting pattern, such as a lattice pattern. It should beunderstood that various types and patterns of interconnecting geometrymay be used to form first structural feature 226 and second structuralfeature 234 for purposes of providing an interconnecting or engagingconnection.

In some embodiments, as shown in FIG. 5B, an adhesive gap 504 may bedisposed between first and second structural features 226, 234. Adhesivegap 504 may be created by shortening ribs 228, lengthening (i.e.,deepening) recesses 236, and/or by applying adhesive layer 502 betweeninterior surfaces 224 and 232, thereby separating them. Adhesive gap 504may be configured to hold adhesive from adhesive layer 502 or anotheradhesive. In this way, additional adhesion strength may be providedbetween upper and low card components 204, 202.

FIG. 5C, shows a zoomed in view of an exemplary tongue and groovesection 235 consistent with disclosed embodiments. As shown, upper cardcomponent 204 may have a tongue 228 and lower card component 202 mayhave a groove 236, but it is understood that the tongue and groove canbe associated with either of upper and lower component 204, 202. Tongue228 and grove 236 may have a length L₁, and the tongue and groovesection 235 may have a length L₂. Varying L₁ and L₂ may affect thenumber of tongue and groove connections that can be formed over a givendimension (e.g., area or length) of card 140. In this way, connectionstrength can be balanced with manufacturing factors (e.g., manufacturingtime, tool precision, etc.) to achieve desired card performance withinallowable manufacturing costs.

Tongue 228 and grove 236 may also be formed with fillet radii R₁ and R₂,respectively. Fillet radii R₁ and R₂ may be selected to achieve desiredstrength and durability of tongue 228 and groove 236. For example,greater radii may impart greater strength and durability upon tongue 228and groove 236, which may also increase material usage. When upper andlower card components 204 and 202 are injection molded (i.e., formed viainjection molding of plastic material), minimum radii values may beselected to ensure the injection molding process can be successfullyachieved with the desired dimensions of tongue 228 and groove 236.

Dimensions of adhesive gap 504 may also be selected to vary connectionstrength with material usage and associated costs. For example,increasing the size of adhesive gap 504 may allow for greater amounts ofadhesive to be used for joining upper and lower card components 204,202, which can result in a stronger connection. Increasing the size ofadhesive material used can increase manufacturing costs, but may beeffective to insure the integrity of the connection. Reducing the sizeof adhesive gap 504 may save manufacturing costs (i.e., by reducing theamount of material used), thereby relying more on the integrity anddesign of tongue 228 and groove 236. In this way, features of tongue 228and groove 236 may varied to achieve desired connection strength andmanufacturing costs.

In some embodiments, with reference to in FIGS. 6A and 6B, transactioncard 140 may include a first bracing layer 602 between upper cardcomponent 204 and lower card component 202 (e.g., first and second cardcomponents or vice versa). In some embodiments, first bracing layer 602may be affixed (e.g., by adhesion, material deposition, fastening,interconnecting, etc.) to one of interior surfaces 224 and 232. In theexample of FIG. 6A, first bracing layer 602 is affixed to interiorsurface 224 of upper card component 204. It should be understood thatfirst bracing layer 602 may alternatively be affixed to interior surface232 of lower card component 202. In the example of FIG. 6A, firstbracing layer 602 is a single bracing layer. That is, in someembodiments, transaction card 140 may have only one bracing layerbetween upper and lower card components 204, 202.

In some embodiments, one of the first structural feature 226 and secondsupport features 234 is disposed on first bracing layer 602. That is,one of the first structural feature 226 and second support features 234may be integral with, built into, affixed to, or otherwise be a part ofthe first bracing layer 602. In the example of FIG. 6A, first structuralfeature 226 is disposed on first bracing layer.

First bracing layer 602 may be formed of any suitable material by anysuitable manufacturing process. For example, processes such as milling,grinding, sanding, hammering, injection molding, compression molding,and the like, may be used to construct first bracing layer 602. Firstbracing layer may be formed from such materials as resins, plastics,metals, or other materials that may be suitable for forming a thinmaterial. First structural feature may be constructed on or in firstbracing layer during the forming process of bracing layer 602 and/or bya milling process, such as later cutting, stamping, milling, etc.).

First bracing layer 602 may be produced in sheets (e.g., as bracingstock) or in units prepared for application to individual transactioncards 140. In this way, the manufacturing process may be streamlined byeliminating the need to form structural features into every upper and/orlower card component 204, 202. That is, by preparing bracing layer 602in a separate process, that process may be optimized for imparting theintricate details of ribs 228 or recesses 236 onto bracing layer 602,which may then be affixed to upper card component 204 or lower cardcomponent 202 in a simply and quicker process (e.g., by adhesion).

In some embodiments, as shown in FIG. 6B transaction card 140 mayinclude a second bracing layer 604 affixed to the other of surfaces 224and 232. That is, second bracing layer 604 may be affixed to whicheverof surfaces 224 and 232 to which the first bracing layer 602 is notaffixed. Similarly, the other of the first and second structuralfeatures 226 and 234 may be disposed on the second bracing layer 604.Second bracing layer 604 may be formed in a similar fashion as firstbracing layer 602 to achieve similar advantages in streamlining themanufacturing process while improving the structural integrity oftransaction card 140.

In other embodiments, with reference to FIGS. 7A-7D, transaction card140 may include a single bracing layer 702 having a first side 704opposite a second side 706. Each of the first and second sides 704, 706of bracing layer 702 may include one of structural features 226 and 234that may be configured to interconnect with the other of structuralfeatures 226 and 234 that is associated with a respective one ofsurfaces 224 and 232. For example, with reference to FIG. 7A, bracinglayer 702 may include ribs 228 on first and second sides 704, 706. Theribs 228 on first and second sides 704, 706 may be configured tointerconnect with recesses 236 on either of surfaces 224 and 232. Inthis way, an efficient manufacturing process may be established by whichupper and lower card components are each provided with the same type ofstructural feature 226, 234. Similarly, bracing layer 702 may beprovided with the other of structural features 226, 234 on each of sides704 and 706. Advantageously, upper and lower card components 204, 202may therefore be formed of any desired material (which may be the sameor different materials), which can then be joined using bracing layer702. That is, regardless of what type of material upper and lower cardcomponents 204, 202 are made of, a single bracing layer 702 design maybe used to connect upper and lower card components 204, 202, therebysimplifying the manufacturing process and encouraging more refineddevelopment of structural features 226, 234 (e.g., due to less requiredvariability in design).

As discussed above, bracing layer 702 may include the same type ofstructural feature on each of sides 704 and 706. In the example of FIG.7A, first and second sides 704, 706 of bracing layer 702 may bothinclude ribs 228. In other embodiments, as shown in the example of FIG.7B, both sides 704, 706 of bracing layer 702 may include recessesconfigured to interconnect with ribs 228 associated with each of upperand lower card components 204, 202.

In other embodiments, first and second sides 704 and 706 of bracinglayer 702 may include different types of structural features. Forexample, with reference to FIG. 7C, first side 704 of bracing layer 702may include first structural features 226 (e.g., ribs 228). The firststructural features 226 on the first side 704 of bracing layer 702 maybe configured to interconnect with second structural features 234 (e.g.,recesses 236) of upper card component 204. Second side 706 of bracinglayer 702 may include second structural features 234 (e.g., recesses236). The second structural features 234 of the second side 706 ofbracing layer 702 may be configured to interconnect with firststructural features 226 of lower card component 202.

Other pairings of structural features between first and second sides704, 706 of bracing layer 702 and upper and lower card components 204,202 may be implemented. For example, with reference to FIG. 7D, firstside 704 of bracing layer 702 may include second structural features 234(e.g., recesses 236). The second structural features 234 on the firstside 704 of bracing layer 702 may be configured to interconnect withfirst structural features 226 (e.g., ribs) of upper card component 204.Second side 706 of bracing layer 702 may include first structuralfeatures 226 (e.g., ribs 228). The first structural features 226 of thesecond side 706 of bracing layer 702 may be configured to interconnectwith second structural features 234 (e.g., recesses) of lower cardcomponent 204.

With reference to FIG. 8, upper card component 204 and lower cardcomponent 202 may be configured to accommodate transaction device 144and assembled to form transaction card 140. For example, lower cardcomponent 202 may include a locating feature 802 configured toaccommodate (e.g., house, affix, receive, etc.) transaction component144. In the example of FIG. 8, locating feature 802 may be a flat spacefor securing a transaction component 144, such as an EMV chip. In otherembodiments, locating feature 802 may be raised or lowered with respectto interior surface 232. Lower card component 202 may also oralternatively be configured to accommodate different and/or multipletypes of transaction components 144. For example, lower card component202 may also or alternatively include another locating feature (notshown) configured to accommodate an NFC wire, a magnetic stripe, oranother type of transaction device. Such a locating feature may bedisposed on interior surface 232 or raised or recessed with respectthereto.

In embodiments having bracing layer 702, as shown in FIG. 9, upper cardcomponent 204 and lower card component 202 may each be configured toseparately interconnect to one side of bracing layer 702. Bracing layer702 may be formed of a different material than upper and lower cardcomponents 204, 202 in order to improve the overall mechanicalproperties (e.g., stiffness, strength, etc.). That is, in someembodiments, each of upper card component 204, bracing layer 702, andlower card component 202 may be formed of a different material, andbracing layer 702 have a greater stiffness or rigidity than upper andlower card components 204, 202.

Bracing layer 702 may also have a locating feature 902 configured toaccommodate transaction device 144. In some embodiments, locatingfeature 902 may be a window configured to allow transaction device 144to be contacted through upper card component 204 and bracing layer 702(i.e., transaction device 144 may be mounted to lower card component202). In other embodiments, locating feature 902 may comprise a recessedportion with a lower surface configured to receive transaction component144. That is, locating feature 902 may be configured to be affixed totransaction device 144, for example, using an adhesive. Locating feature902 of bracing layer 702 may be aligned with window 210 and locatingfeature 802 of lower card component 202. In the example of FIG. 9,locating feature 902 may be configured to accommodate a transactioncomponent 144, such as an EMV chip. Bracing layer 702 may also oralternatively be configured to accommodate different and/or multipletypes of transaction components 144. For example, bracing layer 702 mayalso or alternatively include another locating feature (not shown)configured to accommodate an NFC wire, a magnetic stripe, or anothertype of transaction device.

While illustrative embodiments have been described herein, the scopeincludes any and all embodiments having equivalent elements,modifications, omissions, combinations (e.g., of aspects across variousembodiments), adaptations or alterations based on the presentdisclosure. For example, in some embodiments, no bracing layers may beused (i.e., structural features 226, 234 may be integral with upper andlower card components 204, 202), one bracing layer may be used (e.g.,either first bracing layer 602 or second bracing layer 604), or twobracing layers may be used (e.g., first and second bracing layers 602,604). Also, different materials may be used for each component oftransaction card 140, or each component may be me made of the same orsimilar materials.

FIG. 10 is a flowchart showing an exemplary method 1000 for forming atransaction card. Method 1000 may include forming a first card component(e.g., upper card component 204 or lower card component 202) having afirst surface (e.g., interior surface 224 or interior surface 232) (Step1010). For example upper or lower card component 204, 202 may beconstructed using one of the manufacturing processes described above(e.g., a molding process, a milling process, etc.). Method 1000 may alsoinclude forming a first structural feature (e.g., first structuralfeature 226 or second structural feature 234) associated with the firstsurface (Step 1020). For example, first or second structural feature226, 234 may be formed during the construction of upper or lower cardcomponent 204, 202, respectively. Alternatively, first or secondstructural feature 226, 234 may be formed during a subsequentmanufacturing step, such as a milling process, a material depositionprocess, a laser cutting process, etc., after the formation of upper orlower card component 204, 202. In some embodiments, step 1020 mayinclude forming structural features 226 and 234 on bracing layers 602and 604, which may then be affixed to interior surface 224 or 232. Asdiscussed above, bracing layers 602 and 604 may be constructed using asuitable molding, milling, or other type of manufacturing process.

Method 1000 may further include forming a second card component (e.g.,the other of upper and lower card components 204, 202) separate from thefirst card component and attachable thereto and having a second surface(e.g., the other of interior surface 224 or interior surface 232) (Step1030). It should be noted that method 1000 may include forming uppercard component 204 and lower card component 202 (as well as theirrespective surfaces and/or structural features) in either order. Thesecond card component may be formed by the same or a differentmanufacturing process as the first card component, as discussed above.

Method 1000 may further include forming a second structural feature(e.g., the other of first or second structural feature 226, 234)associated with the second surface (Step 1040). For example, asdescribed above, first or second structural feature 226, 234 may beformed during the construction of upper or lower card component 204,202, respectively. Alternatively, first or second structural feature226, 234 may be formed during a subsequent manufacturing step, such as amilling process, a material deposition process, a laser cutting process,etc., after the formation of upper or lower card component 204, 202. Insome embodiments, step 1040 may include forming the second structuralfeature on a second bracing layer (e.g., the other of bracing layers 602and 604), which may then be affixed to interior surface 224 or 232. Thesecond bracing layer may be constructed using the same or a differentmanufacturing process as the first bracing layer.

During steps 1020 and 1040, first and second structural features 226 and234 may be configured to interconnect. That is, during steps 1020 and1040, first and second structural features 226 and 234 may be providedwith complimentary features or structural components that allow them tointerconnect, as discussed above. For example, one of first and secondstructural features 226 and 234 may be formed to include protrusions(e.g., ribs 228), and the other of first and second structural features226 and 234 may be formed to include recesses (e.g., recesses 236)configured to receive the protrusions. In some embodiments, first andsecond structural features 226 and 234 may be configured to interconnectby a tongue and groove connection. For example, ribs 228 may be tongues,and recesses 236 may be grooves configured to receive ribs 228.

Method 1000 may further include affixing a transaction component (e.g.,transaction component 144) to at least one of the first and second cardcomponents (Step 1050). For example, step 1050 may include affixing(e.g., by an adhesive) a microchip (e.g., an EMV chip) to one of orbetween upper and lower card components 204 and 202. A magnetic stripmay also or alternatively be affixed (e.g., by lamination) to one sideof upper card component 204 or lower card component 202. Other oradditional types of transaction components may be used.

Method 1000 may further include applying an adhesive layer to at leastone of the first and second structural features 226 and 234 (Step 1060).For example, prior to assembling (e.g., joining) the first and secondcard components, an adhesive layer (e.g., adhesive layer 502) may beapplied to either or both interior surfaces 224 and 232. That is, whenstructural features 226 and 234 are formed directly on interior surfaces224 and 232, the adhesive layer applied to surfaces 224 and 232 may beapplied to (or allowed to spill into or onto) structural features 226and 234. In embodiments where structural features 226 and 234 are formedon bracing layers 602 and 604, adhesive may be applied, for example,over ribs 228 and/or recesses 236.

Method 1000 may further include interconnecting the first and secondstructural features (Step 1070). That is, step 1070 may include pressingtogether upper and lower card components 204 and 202, thereby causingfirst and second structural features 226 and 234 to be pressed togetherand interconnected (e.g., via ribs 228 and recesses 236). In someembodiments, ribs 228 and recesses 236 may be formed such that a gap(e.g., adhesive gap 504) or space exists between the first and secondstructural features 226 and 234. In this way, adhesive applied duringstep 1060 may be provided with a space to collect and reside during step1060.

The elements in the following claims are to be interpreted broadly basedon the language employed in the claims and not limited to examplesdescribed in the present specification or during the prosecution of theapplication, which examples are to be construed as non-exclusive. It isintended, therefore, that the specification and examples be consideredas example only, with a true scope and spirit being indicated by thefollowing claims and their full scope of equivalents.

What is claimed is:
 1. A transaction card, comprising: a first cardcomponent, including: a first interior surface; a first exterior surfaceopposite the first interior surface; and a first structural featureassociated with the first interior surface; a second card componentseparate from the first card component and attachable thereto, whereinthe second card component includes: a second interior surface; a secondexterior surface opposite the second interior surface; and a secondstructural feature associated with the second interior surface; atransaction component; and a first bracing layer between the first andsecond card components, wherein: one of the first and second cardcomponents includes a locating feature configured to accommodate thetransaction component, and the other of the first and second cardcomponents is configured to provide access to the transaction component;the first and second structural features are configured to interconnect;the first bracing layer is affixed to one of the first and secondinterior surfaces; one of the first and second structural features isdisposed on the first bracing layer; and the first bracing layerincludes a locating feature configured to further accommodate thetransaction component.
 2. The transaction card of claim 1, wherein thefirst structural feature comprises a plurality of ribs separated bygaps.
 3. The transaction card of claim 2, wherein the ribs are integralwith the first card component.
 4. The transaction card of claim 2,wherein the ribs are attached to the first card component by adhesion,material deposition, or fasteners.
 5. The transaction card of claim 2,wherein the ribs have a draft angle greater than zero degrees.
 6. Thetransaction card of claim 5, wherein the draft angle is between 0.5degrees and 3.5 degrees.
 7. The transaction card of claim 2, wherein awidth of the gaps is 1-5 times a width of the ribs.
 8. The transactioncard of claim 2, wherein the second structural feature comprises aplurality of recesses separated by gaps.
 9. The transaction card ofclaim 8, wherein the recesses have a draft angle greater than zero. 10.The transaction card of claim 9, wherein the draft angle is between 0.5degrees and 3.5 degrees.
 11. The transaction card of claim 1, whereinthe first and second structural features are configured to form a snapfit, an interference fit, or a sliding fit connection.
 12. Thetransaction card of claim 1, wherein the first and second structuralfeatures are configured to interconnect via a tongue and grooveconnection.
 13. The transaction card of claim 1, wherein the first andsecond structural features are configured to interconnect via a latticepattern.
 14. The transaction card of claim 1, further comprising asecond bracing layer between the first and second card components,wherein: the second bracing layer is affixed to other of the first andsecond interior surfaces that is not affixed to the first bracing layer;the other of the first and second structural features not disposed onthe first bracing layer is disposed on the second bracing layer; and thesecond bracing layer includes a locating feature configured to furtheraccommodate the transaction component.
 15. A transaction card,comprising: a first card component, including: a first interior surface;a first exterior surface opposite the first interior surface; and afirst structural feature associated with the first interior surface; asecond card component separate from the first card component andattachable thereto, wherein the second card component includes: a secondinterior surface; a second exterior surface opposite the second interiorsurface; and a second structural feature associated with the secondinterior surface; a transaction component; a single bracing layer havinga first side opposite a second side; wherein: one of the first andsecond card components includes a locating feature configured toaccommodate the transaction component, and the other of the first andsecond card components is configured to provide access to thetransaction component; wherein the first and second structural featuresare configured to interconnect; each of the first and second sides ofthe bracing layer comprises one of the first and second structuralfeatures; and each of the first and second interior surfaces areconfigured to interconnect with the bracing layer.
 16. The transactioncard of claim 15, wherein the first and second sides of the bracinglayer include the same type of structural feature.
 17. The transactioncard of claim 16, wherein the first and second interior surfaces includea structural feature configured to interconnect with the first andsecond structural features of the bracing layer.
 18. The transactioncard of claim 15, wherein the first and second sides of the bracinglayer include different types of structural features.
 19. Thetransaction card of claim 18, wherein: the first interior surfaceincludes a structural feature configured to interconnect with one of thefirst and second structural features of the bracing layer; and thesecond interior surface includes a structural feature configured tointerconnect with the other of the first and second structural featuresof the bracing layer.